1. Acceptance of Terms

By accessing or using the Loan Application Web App (“Web App”) provided by Adaku Fintech Limited (“Company”), you agree to be bound by these Terms and Conditions of Use (“Terms”).

2. Privacy and Data Collection

The Company collects and processes personal and financial information submitted by you through the Web App for the purpose of evaluating loan applications. By using the Web App, you consent to the Company’s collection, storage, and use of your data as outlined in the Privacy Policy. You are responsible for the accuracy and completeness of the information you provide. Providing false or misleading information may result in the rejection of your loan application or legal consequences.

3. Eligibility

You must be of legal age and have the legal capacity to apply for loans through the Web App. The Company reserves the right to deny access to the Web App to any individual or entity at its discretion.

4. Loan Application Process

Submitting a loan application through the Web App does not guarantee loan approval. The Company will evaluate each application based on its internal criteria. The Company may request additional documentation or information to verify your identity, financial standing, and eligibility for a loan.

5. Intellectual Property

The Web App and its content, including but not limited to text, graphics, images, logos, and software, are the intellectual property of the Company and are protected by applicable copyright and intellectual property laws.You may not reproduce, distribute, modify, or create derivative works based on the Web App’s content without the Company’s explicit consent.

6. User Responsibilities

You agree to use the Web App only for lawful purposes and in compliance with these Terms.You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.You agree not to engage in any activity that could disrupt, damage, or interfere with the proper functioning of the Web App or its associated systems.

7. Disclaimer of Warranty

The Web App is provided on an “as is” and “as available” basis without any warranties of any kind, whether express or implied.The Company does not guarantee the accuracy, reliability, completeness, or timeliness of the information provided through the Web App.

8. Limitation of Liability

The Company shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or in connection with the use or inability to use the Web App. The Company shall not be responsible for any errors, omissions, or inaccuracies in the loan application process or its outcomes.

9. Modification and Termination

The Company reserves the right to modify, suspend, or terminate the Web App or these Terms at any time without prior notice. Continued use of the Web App after such modifications shall constitute your acceptance of the updated Terms.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of Zambia, without regard to its conflict of law principles. By using the Adaku Fintech Limited Loan Application Web App, you acknowledge that you have read, understood, and agreed to these Terms and Conditions of Use. If you do not agree with any part of these Terms, please refrain from using the Web App. For any questions or concerns, please contact us at adakugroupofcompanies@gmail.com.